SCCI Management & Insurance Agency Corp.
Is one of the two recognized insurance provider by the Insurance Commission, in the Passenger Personal Accident Insurance Program (PPAIP) by the Land Transportation Franchising and Regulatory Board (LTFRB) for Public Utility Vehicles (PUVs) nationwide.
The Passenger Personal Accident Insurance (PPAI) Program, administered jointly by the Land Transportation Franchising and Regulatory Board and the Insurance Commission, is legally sanctioned under Section 387 of the Insurance Code and the LTFRB charter. The PPAI provides for mandatory insurance coverage for all passengers of public utility vehicles (PUVs).
This concept of ALL RISK-NO FAULT shall apply to all AUTHORIZED PUVs.
Jeepney ( Multi-Cab, Modern PUJ )
Sedan ( Taxi, Tourist )
AUVs ( UV Express, School Service, Tourist Service and other vehicles with similar seating )
Buses ( Metro Manila, Provincial, Tourist, Shuttle,Mini, School )
Trucks ( 6 wheeler, 10 wheeler, Trailer )
TNVS ( Grab, OWTO, Hype, Hirna )
Who is covered under the POLICY?
Any passenger (inclusive of driver and conductor, if applicable) whilst mounting into, dismounting from or travelling in the covered vehicle as described in the Confirmation of Cover.
What is the coverage under the PA POLICY?
➤ Accidental Death and Dismemberment
Loss wherever used in the policy with reference to hand or foot shall mean the complete and permanent severance at or above the wrist or ankle joint. Injury resulting to loss of speech, eyesight or hearing, loss of limbs or fingers and death resulting from an accident. SCCI will pay Php 400,000.00 per passenger as a result of one accident.
➤ Accidental Medical Expenses Reimbursement
When by reason of injury, the passenger shall require medical treatment by a legally qualified physician or surgeon, confinement in a hospital, the employment of a licensed or graduate nurse. SCCI will pay the actual expenses incurred within 180 days from the date of the accident but not to exceed Php 100,000.00 per passenger as a result of one accident.
➤ Medical Implant Expenses Reimbursement
SCCI will pay the actual expenses incurred within 180 days from the date of the accident but not to exceed Php 20,000.00 per passenger as a result of one accident.
➤ Bail Bond
Payment and /or reimbursement of the said actual cost of bond premium shall be made by the Company to the driver upon submission of the Official Receipt of premium payment issued by the Bonding/Surety Company.
➤ Legal Assistance Services
SCCI undertakes to pay and/or reimburse the covered driver for legal expenses in connection with any criminal complaint filed by the victim/s of an accident involving the covered authorized vehicle.
SCHEDULE OF BENEFITS
It is hereby declared and agreed that effective as of inception date, the correct Schedule of Benefits under the above mentioned policy should be as follows and not as previously stated:
|BENEFITS PER PASSENGER||MAX AMOUNT|
|1. Accidental Death and Dismemberment|
|a. Accidental Death||Php 400,000.00|
|b. Permanent Total Disability||Php 200,000.00|
|c. Loss of two or more limbs||Php 200,000.00|
|d. Total and irrevocable loss of sight in both eyes||Php 200,000.00|
|e. Dismemberment in one limb||Php 80,000.00|
|f. Total and irrevocable loss of sight in one eye||Php 80,000.00|
|g. Loss of arm, at or above elbow||Php 100,000.00|
|h. Loss of both hands or all fingers and both thumbs||Php 150,000.00|
|i. Loss of arm between elbow and wrist||Php 100,000.00|
|j. Loss of hand||Php 80,000.00|
|k. Loss of four fingers||Php 60,000.00|
|l. Loss of one thumb||Php 40,000.00|
|m. Loss of index finger||Php 30,000.00|
|n. Loss of middle finger||Php 20,000.00|
|o. Loss of ring finger||Php 12,000.00|
|p. Loss of little finger||Php 12,000.00|
|q. Loss of metacarpals :|
|1st or 2nd additional||Php 6,000.00|
|3rd, 4th and 5th||Php 6,000.00|
|nbsp; r. Loss of leg above the knee||Php 90,000.00|
|s. Loss of leg below the knee||Php 80,000.00|
|t. Loss of one foot||Php 80,000.00|
|u. Loss of big toe||Php 10,000.00|
|v. Loss of all toes in one foot||Php 24,000.00|
|w. Loss of any toe other than the big toe||Php 2,000.00|
|x. Loss of hearing for both ears||Php 80,000.00|
|y. Loss of hearing for one ear||Php 30,000.00|
|z. Burial assistance for the driver||Php 15,000.00|
|aa. Burial assistance for the conductor||Php 15,000.00|
|ab. One time educational assistance for one child of the deceased driver||Php 10,000.00|
|ac. One time educational assistance for one child of the deceased conductor||Php 10,000.00|
|ad. Casket for the driver at the time of accident||Php 10,000.00|
|ae. Casket for the conductor at the time of accident||Php 10,000.00|
|af. Ambulance Assistance||Php 7,500.00|
|2. Accidental Actual Medical Expenses Reimbursement||Php 100,000.00|
|3. Medical Implant Expenses Reimbursement||Php 20,000.00|
|4. Bail Bond||Php 45,000.00|
|5. Legal Assistance Services||Php 15,000.00|
|Burial and Interment|
|included in the Death Benefit|
|Family Allowance :|
|While in the Hospital||Php 20,000.00|
|During Interment||Php 7,000.00|
|AGGREGATE LIMIT OF LIABILITY||NO. OF PASSENGERS||DEATH||MEDICAL REIMBURSEMENT|
|VEHICLE’S CATEGORY||(Php 400,000.00/passenger)||(Php100,000.00/passenger)|
|Provincial Buses/ Tourist Buses/ Mini-Buses||60 (Authorized Seating Capacity)||Php 24,000,000.00||Php 6,000,000.00
|Metro City Buses/ Mini Buses||60 (Authorized Seating Capacity)||Php 24,000,000.00||Php 6,000,000.00
|School Buses/ Shuttle Buses||60 (Authorized Seating Capacity)||Php 24,000,000.00||Php 6,000,000.00
|Jeepneys||23 (Authorized Seating Capacity)||Php 9,200,000.00||Php 2,300,000.00
|AUVs/ School Service Vans and other
vehicles with similar seating capacity
|19 (Authorized Seating Capacity)||Php 7,600,000.00||Php 1,900,000.00
|Sedans||5 (Authorized Seating Capacity)||Php 2,000,000.00|| Php 500,000.00
|Trucks||3 (Authorized Seating Capacity)||Php 1,200,000.00|| Php 300,000.00
NOTE: ALL OTHER TERMS AND CONDITIONS SHALL REMAIN UNCHANGED EXCEPT AS HEREIN ABOVE STATED